Affordable car insurance premiums 

Looking for an affordable car policy that covers all your bases? Get a quote today to see how much you can save, with premium protection.

How your car insurance premium is calculated

Think of the calculation of your price as an equation. This equation has many different variables, and each has a different weighting that can impact your price.

Some of the most important variables are:

  • Your driving history
  • Other drivers in your household
  • Your car and usage, including ownership, year, make, and model.
  • Where you live

These items play a role in the calculation of your premium and will explain why your price might be different from that of your neighbour or friend.

Learn more about the factors that affect your car insurance premium.

Car insurance discounts

Onlia offers several discounts on your car insurance premium. When you double, triple, and quadruple your discounts, you might be surprised at how much you can save.

Daily premium structure

Our daily premium structure is the first of its kind in Canada. With Onlia, you'll pay only for the exact number of days you have insurance in a month (rather than paying a monthly average, or an entire year upfront). For example, let's say your premium works out to be $5 a day:

  • $5 a day x 31 days = $ 155 a month
  • $5 a day x 30 days = $ 150 a month

Most months are 31 days, so we quote you for that number. You'll pay a little less in shorter months. Every dollar counts, right?!

Bundle discount

Bundle your car and home insurance for more discounts – you could save 15% on car and 20% on home when you bring both policies over to Onlia.

You’ll save more than money when you bundle; manage both your car and home o policy online with easier. Sign in to My Account to make changes like updating your information, adding new vehicles, and even changing your coverage online, all on your own. Learn more about the benefits of bundling with Onlia.